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Asurion cell phone insurance?

I have decided to go with asurion cell phone insurance for my new Motorola handset. as I have heard that the asurion tries to fulfill its words in very fewer minutes, it would be better to go with. I have very bad experience with the other cell phone insurance company that makes me buy another handset in last. Now, I don’t want to do the same thing with my new Motorola. But I would be taking any steps after getting your suggestion. I want to know your ideas and experience with the asurion cell phone insurance. Do you also agree with those people who tell it better than the others.   

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